Not all lenders are created equal. Mortgage brokers have the advantage of working with many investors and can sometimes place a hard to place loan. Or, portfolio lenders who lend their own money can often offer the best rate for the more standard type mortgage loan. We work with all types of lenders and can help you find the best loan for you. We work with lenders who offer the very best rates for the very best buyers. Conventional FHA, VA, Jumbo and Super Jumbo loans are all different. We'll make sure you are offered the best loan at the best rate. If you are already working with a lender, we'll make sure they are offering you a competitive rate.

WHAT KIND OF DOCUMENTATION WILL I NEED FOR MORTGAGE APPLICATION?

Generally, the documents needed will verify your income and debt. The list below is the minimum for VA, FHA and conventional loans.

Past two years W-2 Forms Current address Employment addresses Recent bank statements Name and address of current creditors Social Security numbers Certificate of Eligibility for VA buyers.

If you are self employed, you will need two years tax returns and a profit and loss statement, simplified. Don't forget, your agent will be available for consultation when you have a question. Relax and enjoy your home search.

Your lender will have a copy of the Contract of Sale for the home you are purchasing. Your lender will process the loan and have the mortgage approved prior to the date of settlement date in the Contract. The lender will send the proceeds of your home loan to the settlement company along with instructions to the title company about what charges are and the title company will conduct the settlement meeting. You sign the documents accepting the loan, the sellers signs the deed over to you, you get the keys to your newly purchased home.

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